Last month I went into some details on what changes you can make during the Annual Election Period, October 15 - December 7. If you have any questions about what you can or cannot do, please give me a call.
As a reminder, having the assistance from an insurance agent is a complimentary service to you. I love this about my career! I get to help people and not present a bill after.
Why is using an agent so great? An agent who has been working with Medicare Insurance for a number of years has been through hours of ANNUAL Medicare Certification or Recertification training. As agents we learn about plan details from the area representatives and become familiar with the ins and outs of the plans and benefits.
When you have an agent who is a broker helping you (like me), you’re able to compare the different insurance companies and see what company might have a good fit for you. Brokers don’t have a specific interest in only one insurance carrier so we are unbiased.
If you happen to get a telesales call, you’ll end up speaking to a sales person, likely in another state, who will talk fast and only go over the perks of the plan. He/She may not cover your medication costs or whether or not your physicians are in the network. The person might also not realize you get a regular injection/infusion that is covered by your Medicare Supplement without a copay but if you switch to the Medicare Advantage Plan you’ll end up with a 20% coinsurance payment with each injection. There are so many things to fully consider.
Please don’t hesitate to reach out to me or your personal insurance agent whenever you have coverage questions. We are always happy to help. 720.626.6524